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HDFC Life Term Insurance - Click 2 Protect Plus Policy

HDFC Click 2 Protect Plus

Get a comprehensive coverage for your family with a pure term insurance plan which pays the sum assured as well as a monthly income to your loved ones when you are not around. Get customisable life insurance upto Rs.1 crore with premiums starting at Rs.567 per month.

Features and Benefits

  • Comprehensive coverage

    Get a comprehensive term plan with an affordable premium.

  • Choice of covers

    Choose from four different covers and get an option to fix a monthly income for your nominees for a period of 10 years.

  • Increase cover

    Increase your insurance cover on certain key milestones like marriage or birth of a child, that too without any medicals.

  • Pemium payment options

    Choose to pay a regular premium, a single premium, or a limited premium (policy term minus 5 years).

  • Premium frequencies

    Select your premium frequencies to be single, annual, half-yearly, quarterly, or monthly.

  • Attractive benefits

    Get an insurance cover up to the age of 75 years and a lower premium for non-tobacco users.

  • Tax rebate

    Enjoy tax benefits on the premium paid under Section 80C of Income Tax Act.

  • 30-day grace period

    Enjoy tax benefits on the premium paid under Section 80C of Income Tax Act.

  • Variations

    HDFC Click 2 Protect Plus comes in four variants:

  • Life Option

    Pays a lump sum assured amount on the death insured person.

  • Extra Life Option

    Pays an additional lump sum amount if the insured person dies due to an accident.

  • Income Option

    Pays 10% of the assured amount as a lump sum and the remaining 90% as a monthly income over a period of 15 years.

  • Income Plus option

    Pays the total sum assured upon the death of the insured person and 0.5% of sum assured as a monthly income for 10 years, with an option to increase it by 10% per annum.

Eligibility

You can apply for this plan if you meet the eligibility criteria:

  • Anyone between 18 to 65 years of age can apply

  • With the maximum maturity age of 75 years

  • Policy term of 10 to 40 years

  • Minimum sum assured of Rs.25 lakh

  • With a minimum annual premium of Rs.3,000

Riders

Life Stage Protection

Increase or decrease your sum assured as per your needs, without any fresh medicals. Here’s how it works:

  • Increase your sum assured on special milestones like marriage or child birth by paying an additional premium.

  • Reduce the premium amount by resetting your original sum assured once you cross the age of 45 years.

  • In both cases, premium will be recalculated based on the revised sum assured and your outstanding policy term.

How Does It Work?

Click 2 Protect Plus Plan is easy for everyone. Here’s how it works:

  • 1

    Step 1 :

    Customize a plan of your choice with the sum assured, policy term, additional coverage, and premium payment terms.

  • 2

    Step 2 :

    Provide your age, gender, tobacco preferences, and generate a quote for premium amount.

  • 3

    Step 3 :

    Fill in your personal, medical, employment, and nomination details.

  • 4

    Step 4 :

    Pay the premium amount and receive your policy document.

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